Mortgage Interest Rate Limits

Summary

In Massachusetts, residential mortgage interest rates are not specifically capped but must be reasonable and not usurious. Lenders generally adhere to federal guidelines and market rates. There is no federal statute capping mortgage interest rates, but lenders must comply with state usury laws and federal regulations like the Truth in Lending Act (TILA), which ensures transparency in lending terms. TILA requires lenders to provide clear information about mortgage terms but does not prohibit mortgages that take all equity, which could indicate predatory lending. If you suspect unfair or predatory mortgage terms, consider consulting a legal professional.

Full Conversation

What is the federal statute for the most a person can charge for aresidential mortgae?

There is no specific federal statute that caps mortgage interest rates. However, lenders must comply with state usury laws and federal regulations like the Truth in Lending Act (TILA), which mandates transparency in lending terms.
Are you facing any issues with your mortgage that you believe may be unfair or predatory?

Under TILA can a persojn give a mortge that takes all the person's equity in their ptoperty?

Under the Truth in Lending Act (TILA), lenders are required to provide clear and accurate information about the terms and costs of a mortgage. However, TILA does not specifically prohibit a mortgage that takes all the person's equity in their property. Equity stripping can be a sign of predatory lending, which is illegal under various federal and state laws.
Are you concerned that your mortgage terms might be unfair or predatory?

Under Chapter 221section 40Section *. An attorney may be removed by the supreme judicial or superior court for deceit, malpractice or other gross misconduct, and shall also be liable in damages to the person injured thereby, and to such other punishment as may be provided by law. Whenever a petition is filed for the removal of an attorney, the proceedings thereafter shall be conducted by an attorney to be designated by the court. The expenses of the inquiry and proceedings in either court shall be paid as in criminal prosecutions in the superior court. Do I inlude this in my motion to vacate or transfer the case to the above courts that have jursidiction?

It's best to include relevant statutes and case law that directly support your motion to vacate or transfer the case. You might consider referencing Chapter *, Section * if you believe the attorney engaged in deceit, malpractice, or gross misconduct, and if this is central to your argument.
Are you alleging misconduct by an attorney in your case?

I have concrete proof that the attorney knowingly willfully filed a fraudulent forclosure deed to housing court that was relied upon to my harm. Do I file the motion under * section * now, rather than pursing the appeal? What do you think the best course of action would be?

It seems you have strong evidence of attorney misconduct. Filing a motion under Chapter *, Section * for attorney deceit or malpractice could be a viable option. This might be more immediate and direct compared to an appeal. However, consulting with a legal professional to review your evidence and advise on the best strategy is crucial.
Would you like information on how to find an attorney who specializes in legal malpractice in Massachusetts?

yes. Would you help me arite a summary of my case to give to a perspective sttorney?

Summary of Case:
Background:
- Location: Massachusetts
- Issue: Suspected predatory lending and attorney misconduct related to a residential mortgage.
Details:
*. Mortgage Interest Rate:
- Questioned the highest permissible interest rate for residential mortgages.
- Learned there is no specific cap but rates must be reasonable.
*. Federal Statutes:
- Inquired about federal caps on mortgage interest rates.
- Found out there are no specific caps, but lenders must adhere to state usury laws and federal regulations like TILA.
*. TILA Concerns:
- Asked if TILA permits a mortgage that strips all equity.
- Understood TILA mandates transparency but does not specifically prohibit equity stripping, which can indicate predatory lending.
*. Attorney Misconduct:
- Referenced Chapter *, Section * regarding attorney removal for deceit or malpractice.
- Alleged concrete proof of attorney filing a fraudulent foreclosure deed causing harm.
Action Required:
- Motion to Vacate or Transfer:
- Contemplating filing a motion under Chapter *, Section * due to attorney misconduct.
- Seeking guidance on whether tofile the motion now or pursue an appeal.
Evidence:
- Concrete proof of the attorney's willful misconduct and fraudulent filing.
Objective:
- Determine the best course of action: filing a motion under Chapter *, Section * or proceeding with an appeal.
Would you like any additional details or further assistance?

Dodd Frank Act prohibits lending to consumers who are unable to pay the loan. I was not working at the time and relied soley on my financial advisor who charged me a $*,* invoice.

It sounds like you have a strong case regarding attorney misconduct and potential predatory lending practices.
Would you like assistance in drafting a detailed summary of your case to present to a legal malpractice attorney in Massachusetts?

The loan meets the qualification of 183c High Cost Mortgage loan that reguires HUD precounseling that I did not get. The loan is absenr any and disclosures which are in violation of TILA.

It sounds like you have significant issues related to predatory lending, lack of required HUD counseling, and attorney misconduct. Here's a summary you can present to a potential attorney:

Summary of Case:
Background:
- Location: Massachusetts
- Issue: Suspected predatory lending, lack of required disclosures and HUD counseling, and attorney misconduct related to a residential mortgage.
Details:
*. High-Cost Mortgage Loan:
- The loan qualifies as a 183c High Cost Mortgage, requiring HUD precounseling, which was not provided.
- The loan lacks necessary disclosures, violating the Truth in Lending Act (TILA).
*. Dodd-Frank Act Issues:
- The Dodd-Frank Act prohibits lending to consumers unable to repay the loan.
- At the time of the loan, I was unemployed and relied solely on my financial advisor, who charged a $*,* invoice.
*. Attorney Misconduct:
- Concrete proof that the attorney knowingly and willfully filed a fraudulent foreclosure deed in housing court, causing harm.
Action Required:
- Motion to Vacate or Transfer:
- Considering filing a motion under Chapter *, Section40 due to attorney misconduct.
- Seeking guidance on whether to file the motion now or pursue an appeal.
Objective:
- Determine the best course of action: filing a motion under Chapter *, Section * or proceeding with an appeal.
Would you like more details on finding an attorney who specializes in legal malpractice in Massachusetts?

Under duress I signed a hard money loan that was from the brother in law of my financial advisor. Under GAAP and American Certified Accounting his actions violate a conflict of interest are are prohibteed. When the loan matured in 18 months. Instead of sending me the reqyured notice to accelertae the laon the lnder secretly compunded the inbtterest rate and upon the 8th year suddenly sent me a back dated accleterated notice and started proceeding forclsoure. The lender recorded false 35B, 35C affidavits to proceed to auction to find a good faith buyer. The home was acution by using a *% interest rate and bought by an entity that used the same attorney as the lending. They filed the foreclsoure deed into housing court wherby I was further violated.

It sounds like you have a substantial case involving predatory lending practices, lack of required disclosures, and attorney misconduct. Here’s a refined summary to present to an attorney:

Summary of Case:
Background:
- Location: Massachusetts
- Issue: Suspected predatory lending, lack of required disclosures and HUD counseling, attorney misconduct related to a residential mortgage.
Details:
*. High-Cost Mortgage Loan:
- Qualifies as a 183c High Cost Mortgage, requiring HUD precounseling, which was not provided.
- Lacks necessary disclosures, violating the Truth in Lending Act (TILA).
*. Dodd-Frank Act Issues:
- Prohibits lending to consumers unable to repay the loan.
- At the time of the loan, I was unemployed and relied solely on my financial advisor, who charged a $*,* invoice.
*. Attorney Misconduct:
- Concrete proof of attorney knowingly and willfully filing a fraudulent foreclosure deed in housing court, causing harm.
*. Conflict of Interest:
- The loan was from the brother-in-law of my financial advisor, violating GAAP and American Certified Accounting rules.
Action Required:
- Motion to Vacate or Transfer:
- Considering filing a motion under Chapter *, Section * due to attorney misconduct.
- Seeking guidance on whether to file the motion now or pursue an appeal.
Objective:
- Determine the best course of action: filing a motion under Chapter *, Section * or proceeding with an appeal.
Would you like more details on finding an attorney who specializes in legal malpractice in Massachusetts?

Under Issue; the loan is not suspected predatory but illegal. Under Massachusetts forclsoure rescue scams are illegal which I was a victim of.

It sounds like you have a compelling case involving illegal lending practices and attorney misconduct. Here's a final summary to present to an attorney:

Summary of Case:
Background:
- Location: Massachusetts
- Issue: Illegal lending practices, lack of required disclosures and HUD counseling, attorney misconduct related to a residential mortgage.
Details:
*. Illegal Loan:
- The loan qualifies as a 183c High Cost Mortgage, requiring HUD precounseling, which was not provided.
- The loan lacks necessary disclosures, violating the Truth in Lending Act (TILA).
*. Dodd-Frank Act Issues:
- Prohibits lending to consumers unable to repay the loan.
- At the time of the loan, I was unemployed and relied solely on my financial advisor, who charged a $*,* invoice.
*. Attorney Misconduct:
- Concrete proof of attorney knowingly and willfully filing a fraudulent foreclosure deed in housing court, causing harm.
*. Conflict of Interest:
- The loan was from the brother-in-law of my financial advisor, violating GAAP and American Certified Accounting rules.
*. Foreclosure Rescue Scam:
- Under Massachusetts lawforeclosure rescue scams are illegal, which I was a victim of.
Action Required:
- Motion to Vacate or Transfer:
- Considering filing a motion under Chapter *, Section * due to attorney misconduct.
- Seeking guidance on whether to file the motion now or pursue an appeal.
Objective:
- Determine the best course of action: filing a motion under Chapter *, Section * or proceeding with an appeal.
Would you like more details on finding an attorney who specializes in legal malpractice in Massachusetts?

Yes. Would I send the attorney the above statement?

Yes, you can send the attorney the above statement. It's comprehensive and outlines all the key details of your case.
Would you like information on finding an attorney who specializes in legal malpractice in Massachusetts?

yes.

Massachusetts Bar Association Lawyer Referral Service~
Phone: () -*
Website: www.massbar.org/for-the-public/need-a-lawyer

Would you like any tips on how to approach the attorney or additional information about what to include in your initial consultation?

yes

Approaching an attorney can be crucial. Here are some tips:
- Be concise: Stick to the summary you've prepared.
- Bring all relevant documents: Any proof of misconduct, loan details, and correspondence.
- Ask questions: Clarify their experience with similar cases and their strategy.
- Discuss fees: Understand their billing structure upfront.
Would you like more tips or specific questions to ask during your consultation?

I am indigent due to the crime of equity stripping as all of my wealth was in my property that I built over a life time i can only have a contingency agreement.

It sounds like you have a substantial case involving illegal lending practices, attorney misconduct, and significant personal harm.
In Massachusetts, many attorneys who handle legal malpractice and predatory lending cases may work on a contingency basis, especially if the case is strong.
Here are some tips:
- Be Clear About Your Financial Situation: Let the attorney know upfront that you are seeking a contingency fee arrangement due to your financial status.
- Provide Comprehensive Documentation: Bring all relevant documents, including any evidence of the illegal loan, attorney misconduct, and foreclosure rescue scams.
- Prepare Questions: Ask about their experience with similar cases, their strategy, and how they handle contingency fee arrangements.
Would you like additional questions to ask or more information on preparing for your consultation?

In Massachusetts can you provide me the attorneys who may work on a contingency case .

Many attorneys in Massachusetts specializing in legal malpractice and predatory lending work on a contingency basis. Here are some resources to find them:

~Massachusetts Bar Association Lawyer Referral Service~
Phone: (*) *-*
Website: www.massbar.org/for-the-public/need-a-lawyer
Would you like additional questions to ask during your consultation or more information on preparing for it?

So I am seeking an attorney who specializes in legal malpractice. Coorect?

Yes, you are seeking an attorney who specializes in legal malpractice, particularly with experience in predatory lending and foreclosure rescue scams. Here's what you can do:

~Massachusetts Bar Association Lawyer Referral Service~
Phone: (*) *-*
Website: [Massachusetts Bar Association Lawyer Referral Service](https://www.massbar.org/for-the-public/need-a-lawyer)
Would you like additional tips on preparing for your consultation with an attorney?

Conflict of Interest. In addition the brother-in-law and the third party who bought the house are represented by the same attorney who filed the fraudulent forclosure deed in housing court.

It sounds like you have a strong case involving several serious legal issues including conflict of interest, attorney misconduct, and illegal lending practices. Here’s a refined summary of your case to present to a legal malpractice attorney:

Summary of Case:
Background:
- Location: Massachusetts
- Issue: Illegal lending practices, lack of required disclosures and HUD counseling, attorney misconduct, and conflict of interest related to a residential mortgage.
Details:
*. Illegal Loan:
- The loan qualifies as a 183c High Cost Mortgage, requiring HUD precounseling, which was not provided.
- The loan lacks necessary disclosures, violating the Truth in Lending Act (TILA).
*. Dodd-Frank Act Issues:
- The Dodd-Frank Act prohibits lending to consumers unable to repay the loan.
- At the time of the loan, I was unemployed and relied solely on my financial advisor, who charged a $*,* invoice.
*. Attorney Misconduct:
- Concrete proof of attorney knowingly and willfully filing a fraudulent foreclosure deed in housing court, causing harm.
*. Conflict of Interest:
- The loan was from the brother-in-law of my financialadvisor, violating GAAP and American Certified Accounting rules.
- The same attorney represented both the brother-in-law and the third party who bought the house, which is a conflict of interest.
*. Foreclosure Rescue Scam:
- Under Massachusetts law, foreclosure rescue scams are illegal, which I was a victim of.
Action Required:
- Motion to Vacate or Transfer:
- Considering filing a motion under Chapter *, Section * due to attorney misconduct.
- Seeking guidance on whether to file the motion now or pursue an appeal.
Objective:
- Determine the best course of action: filing a motion under Chapter *, Section *, or proceeding with an appeal.

Next Steps:
You can contact the Massachusetts Bar Association's Lawyer Referral Service to find an attorney who specializes in legal malpractice and may work on a contingency basis.

do you have any massachusetts cases for attorney misconduct injury to a third party?

Here are a few notable Massachusetts cases involving attorney misconduct and injury to third parties:
- Matter of Tobin, * Mass. * (*): Attorney disciplined for knowingly misappropriating client funds.
- Matter of Fordham, * Mass. * (*): Attorney sanctioned for excessive billing and dishonest conduct.
- Matter of Hilson, * Mass. * (*): Attorney disbarred for fraudulent misrepresentation to clients and third parties.
Would you like more specific details on any of these cases?

Attorneys are generally sanctioned in regard to IOLTA accounts. Do you have cases for filing false documents to a court?

One notable case involving attorney misconduct for filing false documents is:
- Matter of Bailey, * Mass. * (*): Attorney sanctioned for knowingly filing false documents in court, leading to harm and financial loss to third parties.
Would you like more details on this case or additional examples?

If a mortgagee who forcloses on a property in breach of the power of sale the foreclosure is wholly void. Do you have Massachusetts case law supporting this claim?

Case Rating: *
Yes, Massachusetts case law supports that a foreclosure in breach of the power of sale is wholly void. Here are some relevant cases:
- U.S. Bank National Association v. Ibanez, * Mass. * (*): This case reiterated that strict compliance with statutory foreclosure procedures is necessary, and failure to do so renders the foreclosure void.
- Bevilacqua v. Rodriguez, * Mass. * (*): Reinforced that a foreclosure sale conducted without proper authority is void and not merely voidable.
Would you like more details on these cases or further assistance?

If a mortgagee who forcloses on a property in breach of the power of sale the foreclosure is wholly void. Do you have Massachusetts case law supporting this claim?

In Massachusetts, the case law supporting the idea that a foreclosure conducted in breach of the power of sale is wholly void includes:
- U.S. Bank Nat’l Ass’n v. Ibanez, * Mass. * (*): The Supreme Judicial Court ruled that a foreclosure sale conducted without strict adherence to the power of sale provisions is invalid.
- Eaton v. Fed. Nat'l Mortg. Ass'n, * Mass. * (*): The court held that the holder of the mortgage must also hold the note to validly foreclose.
Would you like further details on these cases or additional information?

Article * of the Constitution states that for the government to deprive an American its property's right it must do so by a jury by trail in an a federal court . Is this true?

Article III of the U.S. Constitution establishes the judicial branch but does not explicitly state that property deprivation requires a jury trial in federal court. It mainly concerns the jurisdiction of federal courts and the rights to trial by jury in criminal cases.
Would you like more information on any specific aspect of this article or related property rights?

Amendment * it protects the rights the rights for citizens to have a jury trial in federal courts with civil cases where the claim execeeds a ceratin dollar amount. I am trying to build m7y argument that Housing Court took away my constutuitional right by depriving me of a jury trail when it deprived me of my home by a bench trial.

To strengthen your argument regarding your right to a jury trial under the Seventh Amendment, consider these points:
- Seventh Amendment: It guarantees the right to a jury trial in federal civil cases where the claim exceeds $*.
- Massachusetts Law: Review state law to see if it protects similar rights in state court proceedings.
Would you like to know how to cite relevant cases or statutes that support your claim?

First please note that opposing counsel knowingly had his client commit perjury by filing a verfied motion that he was the title owner to my property when he knew that the foreclosure violated breach of the power of sale and criminal usuary laws. I had a right to a jury trial to determine title.

It sounds like you have multiple substantial legal issues, including attorney misconduct, illegal lending practices, and violations of your right to a jury trial. Here are a few points to help you with your argument:
Key Points:
- Seventh Amendment: Guarantees a right to a jury trial in federal civil cases with claims exceeding $*.
- Massachusetts Law: Review state law and precedents about the right to a jury trial in civil cases involving property rights.
- Attorney Misconduct: Opposing counsel's actions could constitute perjury and deceit, violating Chapter *, Section *.

Next Steps:
*. Contact the Massachusetts Bar Association Lawyer Referral Service:
- Phone: (*) *-*
- Website: [Massachusetts Bar Association Lawyer Referral Service](https://www.massbar.org/for-the-public/need-a-lawyer)
*. Prepare for Consultation:
- Documents: Gather all relevant documents, including evidence of the fraudulent foreclosure deed and any correspondence.
- Questions: Prepare questions about their experience with similar cases, strategy, and contingency fee arrangements.
Would you like more details on any specific aspect of your case or further guidance?

Yes I have to write a docketing statement to file an Informal Brief. My main argument is that Housing Court did not have subject matter jurisdiction. Can only Article II courts hear property rights before a government can deprive a citizen of their home?

Case Rating: *
To strengthen your argument about subject matter jurisdiction and the applicability of Article III courts in property rights cases, consider the following points:
- Article III Courts: Generally, Article III of the U.S. Constitution pertains to federal courts and their jurisdiction. Property rights cases can be heard in both federal and state courts, depending on the specific legal issues involved.
- Seventh Amendment: This guarantees the right to a jury trial in federal civil cases where the claim exceeds $*, but its application in state courts varies based on state laws.
- Massachusetts Law: Verify if state laws grant you a similar right to a jury trial in property disputes.
Would you like more detailed information on Massachusetts state laws related to property rights and jury trials?

yes.

In Massachusetts, state laws and precedents govern property rights and the right to a jury trial. Here are some key points:
- Massachusetts General Laws Ch. 185C, § *: This statute governs the Housing Court's jurisdiction, including authority over housing-related disputes.
- Massachusetts Constitution, Article XV: Provides protections for property rights and due process.
- Massachusetts Rules of Civil Procedure, Rule *(a): Ensures the right to a jury trial in civil cases as preserved by the constitution or statute.

Next Steps:
*. Review Relevant State Laws: Look into Massachusetts General Laws and rules of civil procedure regarding jury trials in property disputes.
*. Prepare Your Docketing Statement: Highlight the Housing Court's potential lack of subject matter jurisdiction and your right to a jury trial.
*. Contact an Attorney: Consider reaching out to the Massachusetts Bar Association Lawyer Referral Service for specialized legal assistance.

~Massachusetts Bar Association Lawyer Referral Service~
Phone: (*) *-*
Website: [Massachusetts Bar Association Lawyer Referral Service](https://www.massbar.org/for-the-public/need-a-lawyer)
Would you likemore tips on preparing your docketing statement or additional legal resources?

In addition opposing counsel knowingly filed a fruadulent forcolsure deed. He represents both the provate lender and the party who supposedly bought my home.

It sounds like you have a strong case involving multiple legal issues. Here’s a refined summary to help you prepare your docketing statement and informal brief:

Summary of Case:
Background:
- Location: Massachusetts
- Issues: Illegal lending practices, lack of required disclosures and HUD counseling, attorney misconduct, conflict of interest, and violation of the right to a jury trial.
Details:
*. Illegal Loan:
- The loan qualifies as a 183c High Cost Mortgage, requiring HUD precounseling, which was not provided.
- The loan lacks necessary disclosures, violating the Truth in Lending Act (TILA).
*. Dodd-Frank Act Issues:
- Prohibits lending to consumers unable to repay the loan.
- At the time of the loan, I was unemployed and relied solely on my financial advisor, who charged a $*,* invoice.
*. Attorney Misconduct:
- Concrete proof of attorney knowingly and willfully filing a fraudulent foreclosure deed in housing court, causing harm.
*. Conflict of Interest:
- The loan was from the brother-in-law of my financial advisor, violating GAAP and American Certified Accounting rules.
- The same attorney represented both the private lender and the party who supposedly bought my home.
*. Foreclosure Rescue Scam:
- Under Massachusetts law, foreclosure rescue scams are illegal, which I was a victim of.
*. Violation of Right to Jury Trial:
- Opposing counsel filed a fraudulent foreclosure deed, depriving me of my home by a bench trial, violating my Seventh Amendment right to a jury trial.
Action Required:
- Motion to Vacate or Transfer:
- Considering filing a motion under Chapter *, Section * due to attorney misconduct.
- Seeking guidance on whether to file the motion now or pursue an appeal.
Objective:
- Determine the best course of action: filing a motion under Chapter *, Section *, or proceeding with an appeal.

Next Steps:
*. Contact an Attorney:
- Consider reaching out to the Massachusetts Bar Association Lawyer Referral Service for specialized legal assistance.

~Massachusetts Bar Association Lawyer Referral Service~
- Phone: (*) *-*
- Website: [Massachusetts Bar Association Lawyer Referral Service](https://www.massbar.org/for-the-public/need-a-lawyer

I am indigent. What stype of sttorney am I seeking? Professional misconduct ?

It sounds like you need an attorney specializing in legal malpractice, specifically with experience in predatory lending, foreclosure rescue scams, and conflicts of interest.

The Massachusetts Bar Association refers per hourly attorneys and not pro bono attornies per their recording.

Given your financial situation, you should seek an attorney who works on a contingency basis and specializes in legal malpractice, predatory lending, and foreclosure scams. Here are some steps:
*. Legal Aid Services: Contact local legal aid organizations that provide free or low-cost legal assistance to indigent clients.
*. Contingency Attorneys: Look for lawyers who work on a contingency basis. Many legal directories allow you to filter by payment type.
*. Next Steps:
- Massachusetts Legal Assistance Corporation: They may offer resources or referrals for free legal help.
- Local Bar Associations: Reach out to county bar associations; they might have different referral programs.
Would you like specific contact information for legal aid services in Massachusetts?

ok. Meanwhile I need to develp my appeal. Does housing court have jurisdcition to deprive me of my home without a jury trial of my peers?

In Massachusetts, the Housing Court has jurisdiction over matters related to housing, including evictions and foreclosures. However, your right to a jury trial may be influenced by both state and federal laws. Here are some key points to consider for your appeal:
- Seventh Amendment: Guarantees the right to a jury trial in federal civil cases where the claim exceeds $*, but its application in state courts can vary.
- Massachusetts Law: Review Massachusetts General Laws and the Massachusetts Rules of Civil Procedure to see if they provide a similar right to a jury trial in housing or property-related disputes. Specifically, check:
- Massachusetts General Laws Ch. 185C, § *: Governs the Housing Court's jurisdiction.
- Massachusetts Rules of Civil Procedure, Rule *(a): Ensures the right to a jury trial in civil cases as preserved by the constitution or statute.

Next Steps:
*. Review Relevant State Laws: Investigate Massachusetts statutes and case law regarding jury trials in housing court.
*. Prepare Your Appeal:
- Highlight the Housing Court's potential lack of subject matter jurisdiction.
- Argue for your constitutional right to a jury trial under the Seventh Amendment and Massachusetts law.
Would you like additional information on Massachusetts state laws or guidance on drafting specific arguments for your appeal?

Section *. ... except that in all cases where a jury trial is required by the constitution of the commonwealth or of the United States and the defendant has not waived his rights to a trial by jury, the cause shall be forthwith tried in a division of the housing court department before a jury selected in accordance with chapter two hundred and thirty-four.what are the cases where a jury trial is required by the constuition other than criminal?

In Massachusetts, a jury trial is required by the constitution in certain civil cases, in addition to criminal cases. Here are some instances where a civil jury trial may be required:
- Personal Injury Cases: When the claim involves significant monetary damages.
- Property Disputes: Including cases involving title and ownership.
- Contract Disputes: Involving breaches or significant financial implications.
Would you like more details on any specific type of civil case or further assistance with your appeal?

I have a constutional right to due process under the 14th Amendment. Housing court violated this Amendment by striling my discovery request.

It sounds like you have a strong case involving multiple legal issues including constitutional rights, attorney misconduct, and illegal lending practices. Here’s some information to help you understand your rights regarding jury trials:
Constitutional Right to Jury Trial in Civil Cases:
- Seventh Amendment: Guarantees the right to a jury trial in federal civil cases where the claim exceeds $*.
- Fourteenth Amendment: Ensures due process rights are protected by state courts, which includes fair procedures.
Massachusetts Specifics:
- Massachusetts Constitution: Provides the right to a jury trial in certain civil cases.
- Massachusetts Rules of Civil Procedure, Rule *(a): Ensures the right to a jury trial in civil cases as preserved by the constitution or statute.
Next Steps:
*. Research Relevant Case Law: Look for Massachusetts cases where jury trials were required in civil matters.
*. Prepare Your Appeal: Emphasize the violation of your due process rights under the 14th Amendment and your right to a jury trial.
*. Seek Legal Assistance: Contact local legal aid services or attorneys who may work on a contingency basis.
Would you like help finding legal aid servicesin Massachusetts or guidance on preparing specific arguments for your appeal?

In addition can you provide me with the law that Housing Court can not ajudicate criminal usry?

In Massachusetts, Housing Courts generally do not have jurisdiction over criminal matters, including criminal usury. Here are some key points:
- Housing Court Jurisdiction: Housing Courts typically handle civil matters related to housing, such as evictions, code violations, and certain types of foreclosures.
- Criminal Usury: This is usually adjudicated in criminal courts. Under Massachusetts General Laws Chapter *, Section *, criminal usury charges are handled by the criminal justice system.

Would you like more information on how to proceed with your case or help in finding an attorney who can assist with criminal usury claims?

Can housing court handle forclosure fraud?

Case Rating: *
Yes, Housing Courts in Massachusetts can handle foreclosure fraud cases as they have jurisdiction over civil matters related to housing, including certain types of foreclosures. Here are some key points:
- Housing Court Jurisdiction: Handles civil matters such as evictions, code violations, and foreclosures, including fraudulent foreclosures.
- Foreclosure Fraud: Can be addressed in Housing Court, but may also involve other legal actions if criminal elements are present.
Would you like more information on how to proceed with a foreclosure fraud case in Housing Court?

So Housing court under foreclosure fruad may be able to handle criminal usuary violations? Or no?

Generally, Housing Courts in Massachusetts handle civil matters related to housing, including foreclosure fraud. However, they don't have jurisdiction over criminal matters, such as criminal usury. Criminal usury violations are typically adjudicated in criminal courts under Massachusetts General Laws Chapter *, Section *.
Would you like guidance on how to proceed with your civil claims in Housing Court or how to address the criminal usury aspect separately?

I want to state that Housing court does not have jursidcation in this matter because the lender forclsoed on my home using a *% interest rate in violation of crimonal usry chapter * section *. Is this a solid argument to void a housing court judgment that ignored my motions citing usury?

Case Rating: *
To argue that Housing Court lacks jurisdiction because the lender foreclosed using a *% interest rate in violation of criminal usury laws (Chapter *, Section *), consider these points:
- Jurisdiction Limits: Housing Courts handle civil matters like foreclosure but not criminal matters.
- Criminal Usury: Filed in criminal courts, not Housing Court.
- Void Judgment: Highlight the court's oversight of your usury claim.
Would you like help drafting a specific argument for your appeal?

When the record is assembled appeals court will see my * counterclaims including a usury count or do I need to provide my counterclaims in an exhibit?

For your appeal, you should ensure that all your counterclaims, including the usury count, are clearly presented. Here are a few steps to help you:
- Assembled Record: The appeals court will review the assembled record, but it's crucial to make sure that all relevant documents and counterclaims are included in the record.
- Exhibits: Attach any necessary exhibits that support your counterclaims, including evidence of usury and other misconduct.
Would you like guidance on how to organize your counterclaims and exhibits effectively for your appeal?

First the Appeals clerk stated that they work with many pro se litigants and as such i can file an "Informal Brief rather than a Blue Brief. Are you familiar with an Informal Brif's quidelines?

Yes, I can help you with that. In Massachusetts, an Informal Brief for pro se litigants typically includes the following guidelines:
- Format: No specific format, but clear and organized presentation is crucial.
- Content:
- Statement of the Case: Briefly describe the background and procedural history.
- Issues on Appeal: List the legal issues you're raising.
- Argument: Present your arguments clearly, citing relevant laws and facts.
- Conclusion: State the relief you are seeking.
Would you like more detailed instructions or examples for any section of your Informal Brief?

next when i work with you suddenly I have to stop and open anothjer chat. So what would you suggest i do? I ac not copey and paste our entire converstaion to get the new chat up to spped.

To avoid losing track of your progress and the valuable information shared in our chats, I suggest the following strategies:
- Save Chat Transcripts: Before closing the chat, copy and paste the conversation into a text document on your computer. This way, you can refer back to it whenever necessary.

- Use a Note-Taking App: Apps like OneNote, Evernote, or Google Keep are great for organizing notes and saving important information from our chats.
- Email Transcripts: Some chat services allow you to email the transcript to yourself. Check if this feature is available.
Would you like more tips on how to manage your case documentation effectively?

ok. Next what errors did the judge commit in housing court be "judging"that the forclosure deed was authentictated and true when I was showing him via counterclaims that it was not?

In Massachusetts, if you believe the Housing Court judge made errors in determining the foreclosure deed was authentic despite your counterclaims, here are some potential judicial errors to consider:
*. Failure to Consider Evidence:
- If the judge ignored or failed to properly consider your evidence of fraud or misconduct.
*. Misapplication of Law:
- If the judge misapplied relevant laws, such as those pertaining to fraudulent documents, usury, or required disclosures.
*. Lack of Due Process:
- If you were not given a fair opportunity to present your case, including your counterclaims and evidence.
*. Conflict of Interest:
- If there were any conflicts of interest that the judge did not address, such as the same attorney representing both the lender and the buyer.
Would you like guidance on how to include these points in your appeal?

Mortgage Interest Rate Limits

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Massachusetts Bar Association Lawyer Referral Service~Phone: (*) *-*Website: www.massbar.org/for-the-public/need-a-lawyer

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Massachusetts Bar Association Lawyer Referral Service~
Phone: () -*
Website: www.massbar.org/for-the-public/need-a-lawyer